Not at all accurate. We have what is called the regular plan. It has the same providers as all the other plans. Cost nothing with a family deductible of $300 max out of pocket $2,500. No copay but 20% co insurance after deductible and before MOOP. Then it’s completely free. Referrals are needed either. The only negative to the plan as of now is no preventative care is covered. However if you have preexisting conditions it will be covered. My kids wellness visits cost me $100 each. Beats the $400+ monthly premium for choice plus. The paper work thing is bogus also. It’s no different then any other plan SWA offers. SWA is always looking out for a way to screw its employees. Regardless of the medical plan. SWAPA however counters this with resolute. If you have any issues with SWA screwing you on a claim get them involved and it will be fixed.
You were correct that if you have tricare then the regular plan is fantastic!

Two other gotchas with the plan. Company life insurance is very limited. However our company life insurance sucks unless you get hit by a bus on the other plans. Also dental. You can’t upgrade to the higher plan. Only difference in that is $1500 for braces vs $1000. But again reg plan has zero monthly premium vs choice plus at over $400 per month.